BlueBenefits

Benefits to support the whole you.2020 BENEFITS.

HELLO WELLNESS!HEALTHYMONEYBALANCE

HELLO WELLNESS!Living healthy is more than making smart decisions each day. It’s a lifelong journey and an everlasting effort to make the right choices for you and those who depend on you.

HELLO WELLNESS! is about how JetBlue is with you for each moment of that journey. We support the whole you—body, wallet and mind—and will be there to provide programs and resources in these three areas:

HEALTHY MONEY BALANCE This guide will help you understand your Benefits a little better and show you what it means to say HELLO WELLNESS! at JetBlue. Take the first step of your journey to learn more and enroll. We’ll be with you every step of the way.

LIFEISBETTERINBLUE

HELLO HEALTHY! COVER THE BASICS GET THE PERSONAL TOUCH USE EXTRA SUPPORT FOR YOUR JOURNEY

HELLO MONEY! BUDGET NOW BE PREPARED BUILD YOUR SAVINGS MANAGE YOUR DOLLARS

HELLO BALANCE! SUPPORT…YOUR WAY

ENROLLING & MORE DECIDE WHO TO COVER KNOW WHEN TO ENROLL FOLLOW THE STEPS GET MORE INFO

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WHAT'S INSIDE

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YOUR JOURNEY STARTS ONLIFEISBETTERINBLUE.COMAs you travel your path to wellness, use our BlueBenefits website to find what you need, when you need it...anytime on your computer or mobile device.

Intuitive Navigation Programs and resources are organized under: HEALTHY, MONEY and BALANCE to make it easy to say HELLO WELLNESS! and find what you're looking for.

Life’s MomentsThe Life’s Moments section shows you where to start to handle whatever life sends your way...from marriage, babies and relocating...to loss, stress and illness. You'll find practical checklists and links to benefits and wellness resources.

HEALTHY MONEY BALANCE Feel good and stay physically well all year long.

Find healthcare benefits plus services and resources that support your physical health.

Keep your wallet healthy with financial wellness support.

Find benefits that protect your income and programs that help you grow your money.

A healthy mind is as important as a healthy body.

Find programs and services centered around supporting your emotional balance.

See more Life's Moments on the lifeisbetterinblue.com home page or under the Resources tab.

Hello Wellness!I want to be physically,financially and emotionallyhealthy.

Peace of mind.I’d like to talk with someoneto regain balance.

Family.I’m ready to grow my family.

Money challenges.I need help with my finances.

Change coverage.I or my spouse lost or gotcoverage.

Sick or injured.I need to find care now.

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Easy Access to ResourcesThe Resources tab is where you’ll find information for New Crewmembers, Contacts, News, Forms & Documents, Life's Moments and more. You can also link to BlueCarpet, our free concierge service that helps you and your family in so many ways. You can call BlueCarpet to understand your healthcare options, manage your health account, ask about a medical claim, get help finding a doctor in your area, connect with a nurse and more! See pages 16 and 18 for information.

YOUR JOURNEY STARTS ON LIFEISBETTERINBLUE.COM

HELLO SOCIAL!Our site has a community section called Social where you can connect with fellow Crewmembers by sharing how you say HELLO WELLNESS! Post comments and photos about your own wellness journey under HEALTHY, MONEY and BALANCE, or like and reply to posts to support fellow Crewmembers. Bookmark favorite pages to view anytime or share with family and friends. If you haven’t already, create your account today by clicking on the Social tab and following the prompts. Then, start connecting!

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Find HELLO HEALTHY! programs under the Healthy tab on lifeisbetterinblue.com.

GET THE PERSONAL TOUCHPersonalized health guidance anytime you want.• Engage (a personalized

wellness platform) • BlueCarpet advocates

COVER THE BASICSTake care of healthcare needs for you and your family with benefits and coverage that protect you from having to foot the entire bill.• Medical & Rx• Dental• Vision

USE EXTRA SUPPORT FOR YOUR JOURNEYJetBlue offers extras for your personal wellness journey.• BlueCarpet Nurse programs • LiveHealth Online• Active&Fit Direct• ClassPass • Smoking Cessation

Learn more about how to be physically well.

HELLOHEALTHY!

An important part of your wellness journey is keeping you and your family healthy. But it goes beyond getting preventive screenings, eating right and hitting the gym. Take advantage of all that JetBlue offers to meet the needs of the physical you, every day.

Look at all that falls under HELLO HEALTHY! to help you take care of your physical health.

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COVER THE BASICS

HELLO HEALTHY!

with medical, dental and vision coverage.JetBlue offers two Medical Options, two Dental Options and Vision coverage. Let’s start with how each Medical Option helps you pay healthcare expenses using money you get from JetBlue, dollars you earn or pre-tax contributions to a health account.

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IT STARTS WITH JETBLUE MONEYEach year, JetBlue automatically puts seed dollars into your HRA (dollars prorated based on start date). You cannot add your own money to an HRA.

YOU THEN EARN HEALTHY REWARDSEarn more JetBlue money in your HRA by completing Healthy Rewards activities. Earn Healthy Rewards at jetblue.werally.com.

WHEN YOU REACH YOUR DEDUCTIBLEYou can use JetBlue money in your HRA to pay medical costs until you reach your deductible or to pay prescription costs. You can also save your HRA money for future expenses. The money will roll over each year, as long as you remain enrolled in the Green Option.

YOU SHARE COSTS WITH JETBLUEWhen you reach your deductible, JetBlue pays 80% of costs and you pay 20%.

THEN JETBLUE PAYS 100%If you reach the out-of-pocket maximum (the most you pay in a calendar year), JetBlue pays 100% of costs for the rest of that year.

Medical: How it works.

IT STARTS WITH JETBLUE + YOUR MONEYEach year, JetBlue automatically puts seed dollars into your HSA (dollars prorated based on start date). You can add your own pre-tax money to an HSA and update the amount during the year. NOTE: The HSA contribution that you choose is per paycheck, not per year.

YOU THEN EARN HEALTHY REWARDSEarn more JetBlue money in your HSA by completing Healthy Rewards activities. Earn Healthy Rewards at jetblue.werally.com.

WHEN YOU REACH YOUR DEDUCTIBLEYou can use JetBlue money in your HSA to pay medical and prescription costs until you reach your deductible. You can also save your HSA money and invest the balance tax-free. The money rolls over each year and stays with you even if you change coverage or leave JetBlue.

YOU SHARE COSTS WITH JETBLUEWhen you reach your deductible, JetBlue pays 80% of costs and you pay 20%.

THEN JETBLUE PAYS 100%If you reach the out-of-pocket maximum (the most you pay in a calendar year), JetBlue pays 100% of costs for the rest of that year.

GREEN OPTION with Health Reimbursement Account (HRA)

BLUE OPTION with Health Savings Account (HSA)

The Healthy Rewards program is a way to earn free money from JetBlue! By completing eligible activities that improve your health (including getting preventive care), you can earn dollars in your health account (HRA, HSA or Healthy Rewards Account) to pay for healthcare expenses.

Visit the Money tab on lifeisbetterinblue.com to find more information and refer to pages 10, 11 and 22 in this brochure.

Healthy Rewards

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• Review the two Medical Options in more detail—Green with a Health Reimbursement Account (HRA) and Blue with a Health Savings Account (HSA).

• Choose from two providers—Anthem BlueCross BlueShield or UnitedHealthcare.

• Know that Medical comes with Prescription Drug Coverage through CVS Caremark and Behavioral Health Support through Optum.

COVER THE BASICS

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GREEN OPTION with Health Reimbursement Account (HRA)

In-network Out-of-network

DeductibleIndividual $1,350 $2,025

Family $2,700 $4,050

Coinsurance

Eligible preventive care 1 $0 No coverage

Most services 20% after deductible

40% after deductible

Emergency room $300 copay (waived if admitted)

Non-notification penalty N/A $500 per procedure

Lifetime maximum Unlimited

Out-of-pocket maximum (includes deductible, coinsurance and prescription drug expenses)

Individual $4,300 $6,450

Family $8,600 $12,900

Prescription drugs 30-day

(through CVS Caremark network pharmacy)

Generic 50% (up to $8 per Rx)

N/A

Brand (if no generic available)

50% (up to $100 per Rx)

Specialty 50% (up to $200 per Rx)

Prescription drugs 90-day (at local CVS/pharmacy or mail order, including maintenance medications with Maintenance Choice)

Generic 50% (up to $24 per Rx)

Brand (if no generic available)

50% (up to $300 per Rx)

Semi-monthly Weekly

Rates

Crewmember Only $60.50 $27.92

Crewmember + Spouse $152.50 $70.38

Crewmember + Child(ren) $103.00 $47.54

Crewmember + Family $194.00 $89.54

1 Preventive screenings as identified by Health Care Reform.

Medical, Rx & Behavioral Health: What you pay.

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BLUE OPTION with Health Savings Account (HSA)

In-network Out-of-network

DeductibleIndividual $1,400 $2,100

Family $2,8001 $4,2001

Coinsurance

Eligible preventive care2 $0 No coverage

Most services 20% after deductible

40% after deductible

Emergency room After deductible, $300 copay (waived if admitted)

Non-notification penalty N/A $500 per procedure

Lifetime maximum Unlimited

Out-of-pocket maximum (includes deductible, coinsurance and prescription drug expenses)

Individual $4,300 $6,450

Family $8,600 family ($7,350 individual in family) $12,900

Prescription drugs 30-day3

(through CVS Caremark network pharmacy)

Generic

20% after deductible, up to $200 per Rx4

N/A

Brand (if no generic available)

Specialty

Prescription drugs 90-day3 (at local CVS/pharmacy or mail order, including maintenance medications with Maintenance Choice)

Generic

20% after deductible, up to $600 per Rx4Brand

(if no generic available)

Semi-monthly Weekly

Rates

Crewmember Only $74.00 $34.15

Crewmember + Spouse $179.50 $82.85

Crewmember + Child(ren) $125.00 $57.69

Crewmember + Family $232.00 $107.08

1 If you cover dependents, the full family deductible must be met before coinsurance begins.2 Preventive screenings as identified by Health Care Reform.3 In the Blue Option, you must reach your deductible before the Option pays coinsurance on prescription drugs.4 This Option feature is required by the IRS for HSA plans and prescription costs are based on negotiated rates.

Each year, JetBlue puts seed dollars in your HRA or HSA (prorated based on start date). And, you can earn more money by completing Healthy Rewards activities. Use these dollars first when paying your deductible so it costs you less out of your own pocket. Use the Optum Mastercard, which makes it easy to access your account funds. Manage your account at optumbank.com or on the Optum Bank mobile app.

JetBlue dollars go toward your deductible.

Need help? Need help understanding the differences between Green and Blue?

Reach out to BlueCarpet at 1-866-529-1675 or bluecarpet@optum.com.

Medical, Rx & Behavioral Health: What you pay.

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JetBlue helps you optimize your medical coverage by giving you dollars to use toward costs. Here’s a look at how much you can get and how it reduces the deductible—the amount you pay before your JetBlue Medical Option starts paying.

Medical: Optimize JetBlue Options!

SEED DOLLARS you automatically get in January (prorated based on start date)

HEALTHY REWARDS you earn during the year

CREWMEMBERS PILOTS CREWMEMBERS PILOTSPART-TIME CREWMEMBERS & THOSE NOT ENROLLED IN

JETBLUE MEDICAL

Individual $400 $550

+$550 $400 $250

Family $800 $1,100 $1,100 $800 N/A

Seed dollars go into your HRA if enrolled in the Green Option or your HSA if enrolled in the Blue Option.

Healthy Rewards go into your HRA if enrolled in the Green Option or your HSA if enrolled in the Blue Option. If you’re a Part-Time Crewmember or not enrolled in JetBlue Medical, Healthy Rewards go into your Healthy Rewards Account.

Your deductible shrinks with JetBlue money.

COVER THE BASICS

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The math is easy.Here are two examples to show how the deductible you pay is reduced by money from JetBlue.

Individual deductible in the Green Option for a Crewmember

$1,350 annual in-network deductible

- $400 seed dollars

- $550 Healthy Rewards

= $400 actual deductible amount you end up paying

Family deductible in the Blue Option for a Pilot

$2,800 annual in-network deductible

- $1,100 seed dollars

- $800 Healthy Rewards

= $900 actual deductible amount you end up paying

How HEALTHY REWARDS add up!All Crewmembers can earn Healthy Rewards and use this money to pay for healthcare expenses.

Complete healthy activities and steps to earn:

• Hit your daily step goal = $25• Get a dental cleaning = $50• Take the Rally Health Survey = $50• Complete a biometric screening = $150

Healthy Rewards is managed through Rally, powered by BlueCarpet. If you’re new to Healthy Rewards, you’ll need to register on jetblue.werally.com with your JetBlue email and create an account. Then, if you take the Rally Health Survey, you’ll receive $50 in Healthy Rewards. You can easily manage your dollars through optumbank.com.

To see the full list of activities and dollars—and earn—visit jetblue.werally.com. To learn more, go to lifeisbetterinblue.com and select Healthy Rewards under the Money tab.

COVER THE BASICS

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COVER THE BASICS

DPPO DHMO1

In- and out-of-network coverage (In-network shown below)

In-network coverage only

Primary care dentist Not required Required

Deductible $50 (individual); $150 (family) None

Preventive and diagnostic care $0 $0

Basic restorative care 20% after deductibleThe DHMO sets the cost for services based on a Patient Charge Schedule

(PCS). The PCS is a list of fees and frequency limitations for each

covered service within the plan. There is no calendar year maximum.

Visit lifeisbetterinblue.com to review the PCS.

Major restorative care 50% after deductible

Orthodontia (varies by plan) 50% after deductible

Surgical implants 50% after deductible

Calendar year maximum $1,500 per person

Semi-monthly Weekly Semi-monthly Weekly

Rates

Crewmember Only $7.00 $3.23 $3.00 $1.38Crewmember + Spouse $13.50 $6.23 $5.75 $2.65Crewmember + Child(ren) $20.50 $9.46 $8.75 $4.04Crewmember + Family $26.50 $12.23 $11.25 $5.19

1 The Cigna DHMO Option is NOT currently available in the following states: AK, HI, ID, ME, MT, NH, NM, ND, PR, RI, SD, VI, VT, WV and WY.

Dental: What you pay.You can choose between two Dental Options, administered by Cigna: Total Cigna DPPO and the Cigna Dental Care Access Plus DHMO. Both options cover preventive, basic and major dental services, but how benefits are paid varies.

What are the big differences?The DPPO lets you see any dentist and pays a percentage of negotiated rate for charges. Orthodontia coverage is only for children up to age 18, with a lifetime maximum of $1,500.The DHMO only pays benefits when you use in-network dentists (no out-of-network coverage), and the amount paid is based on a fee schedule. Orthodontia coverage is available to both adults and children.

Need help? Call Cigna 24/7 at 1-877-208-3183 or visit mycigna.com if you have questions or want to find an in-network Total Cigna DPPO or Cigna Dental Care Access Plus DHMO provider. (Group #3341916)

Find details on all healthcare programs under the Healthy tab on lifeisbetterinblue.com.

NEED MORE INFO?

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COVER THE BASICS Find details on all healthcare programs under the Healthy tab on lifeisbetterinblue.com.

NEED MORE INFO?

IN-NETWORK OUT-OF-NETWORK

YOU PAY PLAN REIMBURSES

Eye exam (once every calendar year) starting at $10 copay Up to $35

Frames1 (once every calendar year; any available frame at provider location)

$0 copay; $150 allowance; 20% off balance over $150

Up to $60

Standard plastic lenses starting at $25 copay Up to $55

Lens add-ons (UV treatment, coatings, etc.) starting at $12 Up to $4

Contact lenses1 (materials only)$0 copay;

$150 allowance; 15% off over $1502

Up to $200

Laser vision correction 15% off retail price or 5% off promotional price

N/A

Semi-monthly Weekly

Rates

Crewmember Only $3.25 $1.50Crewmember + Spouse $6.14 $2.83Crewmember + Child(ren) $6.45 $2.98Crewmember + Family $9.67 $4.46

1 Frames and contact lens allowance is combined, so you can use either the frames or the contact lens allowance each year. 2 Medically necessary contact lenses are $0; paid in full.

Vision: How it works.JetBlue offers one vision option, administered by EyeMed Vision Care. You can see any eye doctor you’d like, but you’ll save the most money if you go to an EyeMed Vision Care Access Network provider.

Clearly, you can see...EyeMed offers some nice extras to save you money: • With glasses.com, use the award-winning 3D

virtual try-on technology. Then, choose from a large selection of frames and lenses, shipped directly to you.

• With contactsdirect.com, order contact lenses and, once the prescription is verified, have them shipped directly to you.

• Use the Freedom Pass code 755288 for additional savings when you buy frames from Target Optical, Sears Optical or through contactsdirect.com.

• Use the Know Before You Go tool on eyemed.com to estimate vision expenses before you shop for eye exams, frames, lenses, contacts and more.

Need help? Call EyeMed Vision Care at 1-866-723-0513 or visit eyemed.com if you have questions or want to find an Access Network provider. (Group #9925298)

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GET THEPERSONAL TOUCH

HELLO HEALTHY!

by connecting to online tools and dedicated experts.Taking care of you starts with knowing where you are today and where you want (or need) to go. These programs give you personalized information at your fingertips and knowledgeable experts to speak with, so you can track and plan your own path to wellness.

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Coming soon: Engage.Say HELLO WELLNESS! through a personalized platform called Engage. We're excited to offer you Engage—JetBlue's wellness platform—that pulls together multiple websites, along with your personal healthcare information and details into one easy-to-use app so you can manage your health anytime.

Stay on top of your healthcare spending.• See a breakdown of your medical, prescription drug and behavioral

health claims.• Check your HSA or HRA balance.• Track your deductible and see where you stand with your

out-of-pocket maximum.

Explore and review healthcare services. • Find and compare in-network providers and facilities.• Read patient reviews before you choose. • See what services are covered and how much they would cost based

on how much you've paid so far toward the deductible, coinsurance and out-of-pocket maximum.

• Search for medical conditions—big (e.g., knee surgery) or small (e.g., pink eye)—to see your options for care.

• Get accurate cost estimates for medical procedures.• Use keywords to research coverage for conditions, injuries or

medical procedures.

Get personalized information whenever you need it.• See suggestions for JetBlue benefits and wellness programs based on

your needs and health goals. • Have a digital copy of your Medical ID card on hand for quick reference.• Set health goals and see wellness tips and blog posts tailored to your

particular journey.• Learn about JetBlue wellness events.

Stay tuned to lifeisbetterinblue.com for any Engage updates!

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BlueCarpet: Advocates. BlueCarpet is JetBlue’s free concierge service available to all Crewmembers. When you call, you’ll speak with an advocate—a specially trained expert who is ready to carry your bags and navigate you to your best self. Advocates can help you and your family manage your health and healthcare benefits in so many ways. They can:

• Explain how medical, prescription drug and behavioral health coverages work.

• Help you find an in-network doctor, facility or other healthcare provider, and even make appointments.

• Look up your health account information to give you the balance or explain how to use it.

• Get to the bottom of billing or claims questions (for example, did your claim go through?), working with you and the providers on your behalf.

• See beyond your question and anticipate your needs to offer suggestions that help you make good healthcare decisions (such as getting an annual exam and preventive cancer screenings)—as well as connect you with the many resources JetBlue offers to support your health, wallet and mind.

BlueCarpet advocates take pride in providing stellar customer service, just as we do for our Customers. Reach out to BlueCarpet to experience how the personal touch makes managing your health easier.

Understanding healthcare can be tricky. That’s why you have BlueCarpet advocates. Call 1-866-529-1675 to speak with an advocate who will stick with you until you’re comfortable and have what you need.

Support from start to finish!

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GET THE PERSONAL TOUCH

Find details on all healthcare programs under the Healthy tab on lifeisbetterinblue.com.

NEED MORE INFO?

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USE EXTRA SUPPORT FOR YOURJOURNEY

HELLO HEALTHY!

to keep yourself well.Live your healthiest life. From giving you expert guidance through an unexpected diagnosis or immediate access to a doctor when you suddenly develop a sinus infection, to a gym membership—JetBlue has your back.

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BlueCarpet: Nurse Programs. Facing a health concern? Call BlueCarpet. If you’re enrolled in JetBlue Medical, you can work with a BlueCarpet nurse who will provide expert guidance on a new diagnosis or an ongoing health condition. BlueCarpet nurses can:

• Help you understand what your condition means.• Find specialists and help make appointments.• Explain different treatment options and where there is potential for cost

savings.• Work to resolve medical billing or claims issues.• Offer dedicated, long-term support throughout your care journey.

Explore the many BlueCarpet nurse programs:

• Back pain, asthma, hypertension, and other conditions—Get the help and answers you need if you’ve been diagnosed with a general chronic health condition.

• Cancer Support—Connect with an experienced nurse specially trained in oncology to make informed decisions, access top specialists and institutions, receive expert second opinions, explore treatment options, manage symptoms and medications, and get caring emotional support from Navigator (our Crewmember Assistance Program).

• Diabetes Support—Work with a specialized nurse for help managing your diabetes or prediabetes. You also can use the Transform Diabetes Care program to make living with diabetes easier by having access to Livongo’s connected meter, as many test strips as you need, coaching and one-on-one, in-person support at your local CVS Pharmacy® and MinuteClinic®—all for free!

• HIV/AIDS—If you’re living with HIV, work with a nurse to get help managing your care, transportation, mental health services, support groups, meals and more.

• DESTINATION : FAMILY—If you’re trying to start or expand your crew at home, Reproductive Services will help maximize your chances for a successful pregnancy and minimize risks. If you’re considering fertility treatments, your Reproductive Services nurse can help answer your questions and walk you through your options, including access to Centers of Excellence and financial assistance.

• DESTINATION : FAMILY—Any Crewmember or covered dependent (even if they’re not enrolled in JetBlue Medical) can use HealthyMoms HappyBabies. Expecting moms get answers and support from a maternity nurse, all while earning great baby rewards.

Visit lifeisbetterinblue.com or call 1-866-529-1675 for information on BlueCarpet.

USE EXTRA SUPPORT FOR YOUR JOURNEY

Find details on all healthcare programs under the Healthy tab on lifeisbetterinblue.com.

NEED MORE INFO?

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JetBlue has a partnership with ClassPass—the app that helps you work out at the best studios and gyms anywhere, anytime. With over 22,000 locations, plus on-demand workouts, your exercise options are limitless! Just download the app, pay the discounted membership fee and start booking your favorite yoga, boxing, cycling or other classes.

Find your thing with ClassPass.

LiveHealth Online: Doctors. Your doctor's not in. What now?Oftentimes, the ER is unnecessary—and can be overly expensive and time consuming.

All Crewmembers and family (even if not enrolled in JetBlue Medical) can use LiveHealth Online for visits with board-certified doctors (including pediatricians) from a computer or mobile device.

With LiveHealth Online, you can receive medical care 24/7 to treat fever, sore throat, the flu, allergies, skin conditions and more.

LiveHealth Online is a great option for when you’re traveling, it's the middle of the night or you feel too yucky to leave your house. Get diagnosed and a prescription in less time than it takes to drive to an ER or urgent care facility.

Just register at livehealthonline.com and download the app from the Apple or Google Play Store. Then, use coupon code JETBLUECREW and pay the specially discounted rate of $20 per service!

NOTE: If you enter your insurance information when prompted, your coverage will override the discount.

Active&Fit Direct.Love working out? Great! And if not, remember...it's never too early to start crushing your fitness goals. Active&Fit Direct is a program that saves you money on gym memberships at over 10,000 fitness centers nationwide. So, no matter where you travel, you can keep up with your exercise routine…or start a new one.

• First, sign up and find your gym: Visit the Active&Fit Direct website through HelloJetBlue and browse the online directory to locate fitness centers in your area, such as Gold’s Gym, Crunch and Anytime Fitness, and choose your preferred location or multiple convenient locations.

• Then, pay and get your sweat on: You pay just $25 per month (plus an initiation fee) to get your digital Fitness Card. Present it at the participating fitness center of your choice.

Smoking Cessation.Ready to quit tobacco? We can help!Available to Crewmembers and family members enrolled in JetBlue Medical, the mail order/home delivery prescription drug coverage offers a 90-day supply of smoking cessation drugs, such as Zyban (or its generic equivalent) or Chantix, for you and enrolled family members to quit smoking. Benefits will be paid according to your Option’s prescription drug coverage, subject to the maximum limit per prescription. Plus, you earn Healthy Rewards for participating.

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BE PREPARED Keep money flowing when it’s most important.• Group Legal• Adoption Assistance• Pet and Group Auto/Home Insurance• Voluntary Short Term Disability (VSTD)• Long Term Disability (LTD) for Crewmembers and

Long Term Disability/Loss of License (LTD/LOL) for Pilots—as well as Voluntary coverage

• Life and Accidental Death & Dismemberment (AD&D)

BUILD YOUR SAVINGSSaving for retirement is one of the most important things you’ll do financially. Let JetBlue help. • BlueRetirement 401(k) • Retirement Plus• Crewmember Stock Purchase Plan (CSPP)

BUDGET NOWSave money on healthcare and dependent care expenses with spending accounts.• Health Reimbursement Account (HRA)• Health Savings Account (HSA)• Healthy Rewards Account• Healthcare Flexible Spending Account (FSA)• Dependent Care Flexible Spending Account (FSA)

MANAGE YOUR DOLLARSKeep track of all your financial information with these great tools.

• Total Rewards Statement• Links to calculators and tools on lifeisbetterinblue.com

Find HELLO MONEY! programs under the Money tab on lifeisbetterinblue.com.

HELLOMONEY!

A healthy wallet is an important part of taking care of the whole you.

JetBlue makes it easy to find ways to maximize your finances with services and tools that help you protect your income today, manage your dollars and save for the future.

Step through HELLO MONEY! to find your financial happy place.

Learn more about how to be financially well.

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BUDGETNOW

HELLO MONEY!

with spending accounts.As you think ahead and budget for healthcare and dependent care costs, these accounts will save you money!

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Health Reimbursement Account (HRA)Included with Green Option

Health Savings Account(HSA)

Included with Blue Option

Healthy Rewards Account

If not enrolled in JetBlue medical or are a Part-Time Crewmember

JetBlue seed dollars you get automatically(dollars prorated based on start date)

YES Crewmembers: $400 (individual);

$800 (family)Pilots: $550 (individual);

$1,100 (family)

YES Crewmembers: $400 (individual);

$800 (family)Pilots: $550 (individual);

$1,100 (family)

NO

Healthy Rewardsdollars you earn

YES Crewmembers: up to $550 (individual); $1,100 (family)

Pilots: up to $400 (individual); $800 (family)

YES Crewmembers: up to $550 (individual); $1,100 (family)

Pilots: up to $400 (individual); or $800 (family)

YES Earn up to $250

Money you contribute NOYES

No minimum required. $3,550 maximum (individual);1

$7,100 maximum (family)1

NO

Tax-advantaged NO

YESContributions are taken out of your paycheck pre-tax.

Earnings from invested funds and funds used for eligible healthcare expenses are also tax-free. Triple-tax savings

for you!

NO

Investment options NOYES

Account balances over $1,000 can be invested (through Optum) to earn tax-free interest and be used tax-free.

NO

Eligible expensesEligible healthcare

expenses for you and your enrolled dependents. Visit optumbank.com for a list of eligible expenses.

Eligible healthcare expenses for you and your enrolled dependents now or in the

future (including retirement).2 Visit optumbank.com for a list of eligible expenses.

Eligible healthcare expenses for you and your dependents. Visit optumbank.com

for a list of eligible expenses.

How to use the account

Use your Optum Mastercard or pay out-of-pocket and submit your claim for reimbursement.

Visit optumbank.com to manage.

Use your Optum Mastercard or pay out-of-pocket and submit your claim for reimbursement.

Visit optumbank.com to manage.

Use the Optum Mastercard or pay out-of-pocket and submit request for reimbursement. Keep all receipts.

Visit optumbank.com to manage.

Funds roll over year after year YES As long as you stay enrolled in the Green Option.3

YES The money in the account belongs to you, even if you

leave JetBlue.NO

1 The HSA maximum is inclusive of both the JetBlue and Healthy Rewards money. The HSA contribution you choose is per paycheck, not per year.2 The money can also be used for ineligible expenses, but if you’re under age 65, it’s subject to a tax penalty of 20% and is taxable as regular income. 3 If you move from the Green Option to the Blue Option, you forfeit the HRA dollars.

Health Accounts.

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Healthcare FSACan only fund if enrolled in the Green Option or not enrolled

in JetBlue medical

Dependent Care FSA

Anyone can fund for dependents under age 13 (e.g., daycare) or disabled dependents

JetBlue seed dollars you get automatically(dollars prorated based on start date)

NO NO

Healthy Rewardsdollars you earn NO NO

Money you contributeYES

$100 minimum;$2,700 maximum

YES$100 minimum;

$5,000 maximum or $2,500 if married and filing taxes separately

Tax-advantagedYES

Contributions are taken out of your paycheck pre-tax.

YESContributions are taken out of your

paycheck pre-tax.

Investment options NO NO

Eligible expensesEligible healthcare expenses for you and your dependents. Visit optumbank.com for a list of

eligible expenses.

Daycare expenses for dependent children under age 13 and for mentally or physically disabled

dependents of any age. Visit optumbank.com for a list of eligible expenses.

How to use the account

Use the Optum Mastercard or pay out-of-pocket and submit request for reimbursement. Keep

all receipts.

Pay out of pocket, then submit a claim for reimbursement. Must have enough money in

account to pay claim before reimbursement. Keep all receipts.

Funds roll over year after year

YES You can carry over up to $500 and submit claims until March 31 of the following year if you continue

participating in the program.

NOYou can submit claims up until March 31 of the

following year.

Flexible Spending Accounts.Budget ahead for qualified expenses with Flexible Spending Accounts (FSAs) and take advantage of a way to set aside pre-tax dollars and reduce your taxable income. There are two kinds of accounts: Healthcare FSA and Dependent Care FSA.

You can use the Healthcare FSA to pay for a variety of healthcare services, such as chiropractor visits, hearing exams, orthodontia, physical therapy and even laser eye surgery. Consider this option if you typically need these types of services.

Did you know??

Visit lifeisbetterinblue.com for details. Manage your FSA(s) and see a list of qualified expenses on optumbank.com.

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BEPREPARED

HELLO MONEY!

for the expected and the unexpected.

It may be hard to imagine yourself not able to work, but it’s not far-fetched. Or maybe you’ll need financial help with a legal matter or when you grow your family. These programs make sure you’re covered, so you’ll have financial peace of mind along your wellness journey.

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Group Legal.Getting help with legal matters can cost you a bundle. That's why Hyatt Legal provides you with access to a network of attorneys at a reduced cost. A variety of services are available, including:

• Basic legal advice (such as traffic tickets, family matters and non-criminal court appearances)

• Help with creating wills• Debt collection defense• Real estate transactions

Adoption Assistance.JetBlue loves families in all shapes and sizes—and supports you with dollars as you look to expand your family! If you're exploring ways to grow your family, check out how the BlueCarpet Destination : Family Adoption Assistance program can provide financial help with adoption and surrogacy-related expenses.

Call BlueBenefits at 1-800-466-5062 or email bluebenefits@jetblue.com to ask questions about Adoption Assistance.

Group Auto and Home Insurance.JetBlue provides you with special group rates through MetLife.To enroll anytime, call MetLife at 1-800-438-6388 or go to metlife.com/mybenefits.

Pet Insurance.JetBlue provides veterinary pet insurance through MetLife.The plan helps pay for office visits, prescriptions, x-rays, lab fees, surgeries and hospitalization for covered medical problems. To enroll anytime, call MetLife at 1-800-438-6388 or go to metlife.com/mybenefits.

Find details on all HELLO MONEY! programs under the Money tab on lifeisbetterinblue.com.

NEED MORE INFO?

BE PREPARED

GROUP LEGAL 2020 RATES

Semi-monthly Weekly

$7.88 $3.63

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California New Jersey New York Rhode Island Washington All Others

Low Plan 0.606 0.724 0.825 0.687 0.719 0.866

Core Plan 0.624 0.746 0.850 0.708 0.740 0.892

High Plan 1.124 1.342 1.527 1.273 1.332 1.605

LOW CORE HIGH

Pays 40% of your basic earnings2, up to

$1,5003

Pays 60% of your basic earnings2, up to

$1,5003

Pays 60% of your basic earnings2, up to

$3,0003

For all options, benefits begin on the 8th day you miss work due to an illness or injury and continue paying for up to 26 WEEKS.4

1 New Full-Time Crewmembers (except those based in California, New Jersey or Puerto Rico) are automatically enrolled in the Low Plan at their own cost and can then change levels or opt out when enrolling in JetBlue coverage for the first time. Newly hired Pilots are automatically enrolled in the Core Plan at their own cost and can then change levels or opt out when enrolling in JetBlue coverage for the first time.

2 Basic earnings include regular salary or wages, shift differential, premium and overtime pay and do not include commissions, bonuses, incentive pay, PTO Sell Back, per diem or other additional compensation.

3 The earnings are annualized to determine the higher weekly benefit payment.4 Remember, if you elect VSTD for the first time, your coverage will begin 90 days after enrollment. For example,

your VSTD will start on March 31 if you enroll as of January 1. You may use any available PTO during the waiting period and/or apply during Short Term Disability when available.

Voluntary Short Term Disability.Did you know your income stops if you take time off from work due to a disability? Voluntary Short Term Disability (VSTD) coverage allows you to get paid when you get sick or injured—or have a baby—without using your PTO.1

VSTD pays you a portion of your salary if you have an illness or injury that keeps you from doing your job. This coverage is not automatic. To continue your pay, you must choose from the three plans below.

Limits on pre-existing conditions.When you first elect VSTD, the plan does not cover disability from pre-existing conditions for 12 months. These are conditions you already had or have been treating during the three months before you enrolled for coverage—including pregnancy.

If you work in California, New Jersey, New York, Rhode Island or Washington, your rates will be slightly lower because your state already provides disability coverage that is mandatory and paid through your state taxes. Please note, VSTD benefits are offset by the maximum state benefit.

VSTD Low Plan

Use the lesser of $195,000 or your current annual pay in the calculations. The number of paychecks is either 24 or 52.Annual pay ÷ 52 = weekly pay x 0.40 = your weekly benefit ÷ 10 = _______ x rate table below = YOUR MONTHLY PREMIUM Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = COST PER PAYCHECK

VSTD Core Plan

Use the lesser of $130,000 or your current annual pay in the calculations. The number of paychecks is either 24 or 52.Annual pay ÷ 52 = weekly pay x 0.60 = your weekly benefit ÷ 10 = _______ x rate table below = YOUR MONTHLY PREMIUM Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = COST PER PAYCHECK

VSTD High Plan

Use the lesser of $260,000 or your current annual pay in the calculations. The number of paychecks is either 24 or 52.Annual pay ÷ 52 = weekly pay x 0.60 = your weekly benefit ÷ 10 = _______ x rate table below = YOUR MONTHLY PREMIUM Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = COST PER PAYCHECK

Voluntary Short Term Disability rates. Since you pay the full cost of VSTD coverage with post-tax dollars, any benefits you receive will be tax-free. Use the formula and rate tables below to calculate your VSTD rate per paycheck.

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Long Term Disability.Sometimes an illness or injury can put you out of work for an extended period of time—even after VSTD benefits end. Long Term Disability protects your income.

Basic coverage. JetBlue provides basic Long Term Disability (LTD) automatically to Full-Time Crewmembers at no cost. Pilots get a combined Long Term Disability and Loss of License (LTD/LOL) plan at no cost. LTD benefits begin after 180 days of missed work due to a disability.1

Voluntary coverage (VLTD).2 Crewmembers can buy extra coverage to be combined with LTD.

BASIC LTD VLTD

Company-paid You pay with post-tax dollars

Benefit equals 60% of gross compensation

Adds 6.67% to basic LTD benefit

$13,500 maximum monthly benefit

$15,000 maximum monthly benefit

Voluntary coverage for Pilots.2 Pilots can buy extra coverage in the form of VLTD/LOL coverage.

BASIC LTD/LOL VLTD/LOL

Company-paid You pay with post-tax dollars

Benefit equals 55% of gross compensation3

Adds 5% to basic LTD/LOL benefit

$13,500 maximum monthly benefit

$15,000 maximum monthly benefit

1 The LTD or LTD/LOL benefit will be reduced by the gross monthly benefit you receive from Social Security, Workers’ Compensation and other earned income. The LTD and LTD/LOL plans do not cover a disability from a pre-existing condition during the first 12 months of coverage.

2 If you do not buy coverage when first eligible, a Statement of Health will be required before your coverage is approved.3 Includes your average gross pay over the prior 12 months, or up to 18 months if you were on an approved Leave of Absence and had months of $0

earnings in the prior 12 months.

Voluntary Long Term Disability rates.

VLTD (Full-Time Crewmembers)

Use the lesser of $270,000 or your annual salary ÷ 12 x 0.0009 = YOUR MONTHLY PREMIUM

Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = COST PER PAYCHECK

VLTD/LOL (Full-Time Pilots only)

Use the lesser of $270,000 or your annual salary ÷ 12 x 0.0102 = YOUR MONTHLY PREMIUM

Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = COST PER PAYCHECK

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Life and AD&D Insurance.Provide financial peace of mind for your loved ones and for yourself if you pass away or become seriously injured.JetBlue provides Life and Accidental Death & Dismemberment (AD&D) insurance for all Crewmembers automatically at no cost. You may also purchase Supplemental coverage for yourself and Dependent coverage for your spouse and children.

Basic coverage (you get automatically).FOR… BASIC LIFE BASIC AD&D

Pilots $150,000 $150,000

Technicians, Inspectors, Dispatchers $100,000 $100,000

All other Crewmembers 1X annual salary1 1X annual salary1

Supplemental coverage (you can buy if you want).FOR… SUPPLEMENTAL LIFE SUPPLEMENTAL AD&DYou 1X to 6X annual salary2 1X to 6X annual salary3

FOR… DEPENDENT LIFE

Dependent Spouse or Domestic Partner $25,000 to $250,000

Dependent Child(ren) $10,000 each child

How AD&D Benefits are paid.AD&D benefits are either paid to you or your beneficiary for loss that happens within 90 days of an accident. Here’s how AD&D benefits are paid:

FOR… BASIC AD&D

Life Full benefit amount

Both hands, both feet, sight in both eyes or any combination Full benefit amount

One hand, one foot or sight in one eye 1/2 the benefit amount

1 Rounded to next higher multiple of $1,000, based on your salary as of January 1, 2020, or date of hire, whichever is most recent.2 The combined amount of your Basic and Supplemental Life Insurance cannot exceed $1,500,000 (excluding the amount of your Dependent Life Insurance).3 The combined amount of your Basic and Supplemental AD&D Insurance cannot exceed $1,500,000.

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SUPPLEMENTAL AD&DSemi-monthly Weekly

$0.0130 for each $1,000 of coverage $0.0060 for each $1,000 of coverage

SUPPLEMENTAL LIFE(Cost = age-based rate for each $1,000 of coverage)

Age Semi-monthly Weekly

Under 25 $0.0200 $0.0092

25–29 $0.0240 $0.0111

30–34 $0.0320 $0.0148

35–39 $0.0360 $0.0166

40–44 $0.0400 $0.0185

45–49 $0.0600 $0.0277

50–54 $0.0920 $0.0425

55–59 $0.1720 $0.0794

60–64 $0.2640 $0.1218

65–69 $0.5080 $0.2345

70–74 $0.8360 $0.3858

75+ $1.6120 $0.7440

DEPENDENT LIFE—CHILD(REN) (Cost is the same regardless of the number of dependents insured)

Semi-monthly Weekly

$0.50 $0.231

DEPENDENT LIFE—SPOUSE(Cost = age-based rate for each $1,000 of coverage)

Age Semi-monthly Weekly

Under 25 $0.0350 $0.0162

25–29 $0.0400 $0.0185

30–34 $0.0500 $0.0231

35–39 $0.0600 $0.0277

40–44 $0.0700 $0.0323

45–49 $0.1000 $0.0462

50–54 $0.1550 $0.0715

55–59 $0.3000 $0.1385

60–64 $0.4550 $0.2100

65–69 $0.8250 $0.3808

70–74 $1.4300 $0.6600

75+ $2.7400 $1.2646

NOTE: Your rates are based on your salary as of January 1, 2020, or your hire date, whichever is most recent; however, any benefits paid will be determined at time of payment.

Life and AD&D rates.

Find details on all HELLO MONEY! programs under the Money tab on lifeisbetterinblue.com.

NEED MORE INFO?

BE PREPARED

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Evidence of Insurability.Evidence of Insurability (EOI) is a fancy way of saying that you need to verify your good health for coverage to begin. You must provide EOI when:• You increase your existing Supplemental Life

coverage.

• You choose not to buy Supplemental Life or Dependent Life as a new hire, then decide to add coverage later.

• Your Basic Life coverage equals more than $500,000 as a new hire.

When you’re first hired, you may buy Supplemental Life Insurance of 1, 2 or 3 times your annual salary (up to $250,000) without providing EOI. If you want to buy more than 3 times your annual salary (or greater than $250,000), EOI will be required and must be approved by the insurance carrier. If you are age 60 or older, the maximum coverage amount that you may elect as a new or current Crewmember without EOI will be reduced—you will be notified if EOI is required.

Additional information.Waiver of Premium—Premiums are waived if you become totally disabled before age 60.

Accelerated Benefit—Up to 100% of your Life Insurance amount (to a maximum of $500,000) may be paid in the event of terminal illness with a life expectancy of 12 months or less.

Reduction Schedule—Life Insurance amounts are reduced to 65% when you reach age 65 and to 50% when you reach age 70. AD&D coverage ends at age 70.

Find details on all HELLO MONEY! programs under the Money tab on lifeisbetterinblue.com.

NEED MORE INFO?

BE PREPARED

Beneficiaries.Don’t forget to put your loved ones first—add your beneficiary. Your beneficiary can be one or several people and you can elect the same or different designation for all your Life and AD&D benefits.

To add or change your beneficiary, visit https://enroll.thehartfordatwork.com/enroll and follow these steps to log in:• Your User ID is either your initials

followed by the last four digits of your SSN or your full Crewmember ID.

• If this is your first time logging in, use your default password: your initials (lowercase) followed by your date of birth (MMDDYYYY).

• If you have previously logged in, please select Reset Password.

If you need help, you can also call The Hartford at 1-855-396-7655.

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BUILDYOUR SAVINGS

HELLO MONEY!

for today and the future.

JetBlue gives you what you need to save money toward retirement. Your BlueRetirement 401(k) has options for saving, a generous Company match plus extra JetBlue contributions (for eligible Crewmembers). You can also add to your wealth with JBLU stock…so you can reach your savings goals like a pro!

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Say hello to your retirement destination—let BlueRetirement help you get there.Your 401(k) gives you a simple way to save money toward your retirement, while reducing your taxable income. And with BlueRetirement—managed through Empower—you have a support team to explain the plan and answer any questions you have along the way. Use BlueRetirement to make contributions to your 401(k), designate your beneficiaries or set up a Schwab Personal Choice Account (PCRA). BlueRetirement is loaded with tools and helpful resources that help you budget, invest, refinance and more—all to help you manage your money better and build your savings.

JetBlue gets you started saving for retirement with a:• 5% matching contribution (dollar-for-dollar on what you save) for non-Pilot Crewmembers and

another 5% Retirement Plus contribution (see below)• 15% non-elective contribution for Pilots

A slice of profit sharing just for you.Your commitment to JetBlue and to taking care of our Customers shows! We have always believed in sharing our successes with our Crewmembers.

Retirement Plus is a 5% Profit Sharing contribution JetBlue makes to your BlueRetirement account each pay period (for non-Pilot Crewmembers below Manager level). It’s our way to thank you for all you do as a Crewmember and for making our Company one that Customers love!

BlueRetirement 401(k).

How BlueRetirement works: Crewmembers

5%+ Crewmember

Contribution[JetBlue matches up to 5% even if you put in a higher

percentage]

5% JetBlue Match

5% Retirement Plus

[Available to Crewmembers below Manager level]

+ + 15%+

Total Contribution(Up to IRS limits)

15%+

Total Contribution(Up to IRS limits)

How BlueRetirement works: Pilots

% Pilot Contribution

15% JetBlue

Non-Elective Contribution

+

Need help? For instructions on setting up your BlueRetirement account please visit the site at BlueRetirement 401(k) page under the Money tab on lifeisbetterinblue.com. And if you need help or have questions, call 1-844-728-3258 or chat online at blueretirement.com (8AM–10PM ET, Mon–Fri and 9AM–5:30PM ET, Sat).

Crewmember Stock Purchase Plan.You don’t need to be a financial guru to buy stock. We make it easy for you to own a piece of JBLU. Enrolling in the Crewmember Stock Purchase Plan (CSPP) allows you to buy shares of JBLU stock through post-tax payroll deductions with a 15% discount. You can enroll anytime during the year (except on blackout dates) by visiting Fidelity at netbenefits.com. Details can be found on https://www.hellojetblue.com/cspp.

Beneficiaries.Be sure to designate your beneficiary (or beneficiaries) for your account on blueretirement.com and keep this information updated.

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MANAGEYOURDOLLARS

HELLO MONEY!

and maximize your wealth.

It’s important to stay on top of the dollars you have. Start by viewing your JetBlue rewards and benefits on your online Total Rewards Statement. Then explore the many tools and resources JetBlue offers to help you achieve your money goals.

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Your Total Rewards Statement.You work hard for your money—so keep track of all you earn from JetBlue by viewing your online Total Rewards Statement. Your Total Rewards Statement shows you a personalized snapshot of the value of your JetBlue benefits, compensation, travel and rewards at JetBlue (what we invest in YOU). Knowing this information helps you see the big picture so you can maximize your health and wealth.

You can view your statement on jetblue.ehr.com. You’ll need your JetBlue login credentials to access it from outside of JetBlue’s network. If you have questions, call BlueBenefits at 1-800-466-5062 or email bluebenefits@jetblue.com. Remember to log out completely from any shared computer when you're finished checking your statement.

Keep track often. See a running tally of how many times you visit your Total Rewards Statement each quarter.

NOTE: The Total Rewards Statement is currently not available to Pilots, JetBlue Travel Products, College Crew, Interns, Seasonal, Retirees, Business Partners, Consultants, Tech Ventures, Salary Continuation, Puerto Rico and Internationally-based Crewmembers.

Use the Opty checklist! Opty, our mascot, can be found throughout your statement to point out ways to OPTIMIZE your rewards. The Opty checklist makes it easy to see if you’ve missed any opportunities to maximize your total rewards, including:

PRO TIP: Use the OPTIMIZE button that appears throughout your statement to instantly make the most of your rewards.

• Healthy Rewards• 401(k) Contributions• CSPP

• CSR—Community Connection Hours• 401(k) Beneficiary• Standby Travel

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Financial Guidance through the Navigator Crewmember Assistance Program lets you connect with a professional and have two free 30-minute phone consultations (per issue per year) to discuss an array of topics like budgeting, debt and more. To use Navigator, just call BlueCarpet (1-866-529-1675) and say "Navigator" to get connected.

Get help managing your money!

$

Money management tools.Everyone wishes they could manage their money like a pro. However, achieving your money goals isn't always easy. Use our tools to help you take control of your money and watch it grow. Under the Money tab on lifeisbetterinblue.com, you’ll find Financial Tools and Resources—a whole page of links to numerous saving, spending and planning calculators, as well as other resources that help you manage your monthly budget, accumulate an emergency fund, pay off debts, pay down student loans and more.

Also on lifeisbetterinblue.com, check out the Life's Moments tile: Money challenges. It's designed to point you in the right direction for managing your finances.

Explore these options to find the best way for you to be financially healthy!

Find details on all HELLO MONEY! programs under the Money tab on lifeisbetterinblue.com.

NEED MORE INFO?MANAGE YOUR DOLLARS

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Learn more about therapy the way you want it.

SUPPORT... YOUR WAYFind programs tailored to bring you and your family peace of mind.

• Navigator Crewmember Assistance Program• Navigator Behavioral Health Support• Talkspace

Find HELLO BALANCE! programs under the Balance tab on lifeisbetterinblue.com.

HELLOBALANCE!

A healthy mind is an important part of being well.

If you’re feeling stressed, depressed, anxious or simply overwhelmed with what’s on your plate, you’re not alone. That’s why JetBlue offers you and your family confidential resources that help build resiliency, regain emotional balance and allow you to live healthier and happier. You’ll find what you need under HELLO BALANCE!

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SUPPORT…YOUR WAY

HELLO BALANCE!

to feel more balanced.

When you’re feeling down or just not yourself, JetBlue can help. The best place to start is with Navigator. Navigator will connect you and your entire household with the types of services you need to say HELLO BALANCE! in a way that works for you.

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Navigator Crewmember Assistance Program.For any challenge, big or small, turn to Navigator.Navigator is your free Crewmember Assistance Program designed to help you and your entire household find balance. To use Navigator, just call BlueCarpet (1-866-529-1675) and say "Navigator" to get connected with:

• Counseling for help with anxiety and stress, depression, relationship and family issues, grief, life transitions and more. You get up to six free, confidential sessions (per issue per year) in person, by phone or video chat through Virtual Visits.

• Work-Life Management services for help with adult/elder care, child/parenting matters, life transitions and just about anything on your to-do list.

• Legal Advice to connect with an attorney for one free 30-minute consultation about real estate matters, wills, divorce challenges, identity theft and more. Unlike the Group Legal program, you do not have to enroll for a full year to access legal advice with Navigator services.

• Financial Guidance to get two free 30-minute sessions with a financial professional for help with sorting out debt, budgeting, tax questions, estate planning and more.

We all can use a hand now and then, and it takes just one phone call to start down a new path on your journey to better mental health. Navigator is free, confidential support you can count on.

Navigator Behavioral Health Support.Taking steps to manage a mental health or substance use condition can be confusing, frustrating and even scary. It doesn’t have to be. If you are enrolled in JetBlue Medical, your Behavioral Health coverage includes benefits for therapists and facilities that manage conditions such as Alzheimer’s, depression, anxiety, eating disorders, autism, bipolar disorder and more, as well as substance use treatments.

To take the first step, call BlueCarpet (1-866-529-1675) and say “Navigator” to connect confidentially with experts who can help you find services, providers and facilities that are right for you.

Visit the Navigator page of programs under the Balance tab on lifeisbetterinblue.com for more information on how you can get Applied Behavioral Analysis (ABA) therapy for your child with autism.

ABA therapy for your dependent child.

FREE

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Virtual Visits.Through Navigator, you can visit a mental health provider in person or through Virtual Visits. Virtual Visits is a secure video-conferencing service that connects you with clinicians who can evaluate and treat general behavioral health issues. They can also provide therapy and, when appropriate, prescribe medications (depending on your state’s telehealth rules and regulations).

Go to liveandworkwell.com (first register to establish your Health Safe ID, then search for counselors). You can also call Navigator for a list of clinicians who offer Virtual Visit appointments.

Talkspace.Good news! Virtual Visits through Talkspace are included with your Behavioral Health benefits. Talkspace is a leading company for digital therapy. With Talkspace, you (and dependents age 13 and over) can connect with a licensed therapist confidentially and securely using your mobile device or computer. No appointments are needed, and therapy can usually begin the same day after you select your personal therapist. Through Talkspace, you can share unlimited audio, video and text messages with your therapist.

Coming in 2020, Talkspace is also a part of Navigator, our Crewmember Assistance Program. That means you can use Talkspace therapists for your six free counseling sessions (per issue per year). One week of therapy on Talkspace will be equal to one traditional therapy visit.

Stay tuned to lifeisbetterinblue.com for more information on emotional balance.

SUPPORT… YOUR WAY

Find details on all HELLO BALANCE! programs under the Balance tab on lifeisbetterinblue.com.

NEED MORE INFO?

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Get started with enrolling and more.

DECIDE WHO TO COVERBefore you take steps to enroll, decide who to cover under your JetBlue benefits.• You• Your spouse• Your children

KNOW WHEN TO ENROLLUnderstand when you have the opportunity to choose your benefits.• When you’re first hired• During Open Enrollment each fall• When you have a Qualified Life Event

FOLLOW THE STEPSSelect the options you want by enrolling online at BlueCrew Self Service (BCSS).

GET MORE INFOLearn more about the options you select to make the most out of your benefits as well as review the fine print details that we need to let you know about.

Find more information and instructions under the Benefit Basics tab on lifeisbetterinblue.com.

ENROLLING& MORE

Now that you’ve learned all the ways to say HELLO WELLNESS! with JetBlue programs and services, here’s how you get these benefits.

Some benefits you automatically get, while others, you must enroll in. To find what fits, follow these steps.

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DECIDE WHOTO COVER

ENROLLING & MORE

before you enroll.

To cover your dependents under your JetBlue Benefits, they must be eligible. Here’s a brief look at who you can cover and any rules or required documents.

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You.If you’re a Full-Time or Part-Time Crewmember.

Your spouse.If you’re legally married.

REQUIRED DOCUMENTATIONMarriage certificate + one of the following:• Page 1 of your current federal income tax return, which lists your

spouse• Current mortgage statement, home equity loan or lease agreement

listing both you and your spouse• Current property tax documents listing both you and your spouse• Current automobile registration listing both you and your spouse• Current credit card or bank account statement listing both you and your

spouse• Current utility bill listing your spouse at the same address as you• Current designation of beneficiary for retirement or life insurance

benefits or primary designation under your spouse’s will• Assignment of a durable property or healthcare power of attorney

Your children.Under age 26 if they are:• Your biological child• Your legally adopted child or a child you are in the process of adopting

(provided proper documentation is received)• Your stepchild• A foster child who has been placed with you by an authorized placement

agency or an order of a court• A child you are legally required to cover under a Qualified Medical Child

Support Order (legal guardianship)Unmarried children of any age who are disabled and dependent upon you for support

REQUIRED DOCUMENTATION Biological children:• Birth or hospital certificate listing you as a parent

Stepchildren (both documents below):• Marriage certificate listing your spouse • Birth certificate of the stepchild listing your spouse as a parent

Adopted children (one of the documents below):• Certificate of adoption• Papers from adoption agency• Birth certificate listing you as an adopted parent

Find more information and instructions under the Benefit Basics tab on lifeisbetterinblue.com.

NEED MORE INFO?DECIDE WHOTO COVER

42

KNOW WHENTO ENROLL

ENROLLING & MORE

so you don’t miss your chance to get the Benefits you need.

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During Open Enrollment.Open Enrollment is the annual time to choose benefits. If you miss this window, you will not be able to enroll or make changes until the next Open Enrollment period, unless you have a Qualified Life Event during the year.

When you’re first hired.When you first start your job with JetBlue, you have 30 days to enroll in benefits. Your health benefits kick in on the first of the month following the date you were hired or promoted to a benefits-eligible position. If you miss this 30-day window, you’ll have to wait until the next Open Enrollment period, unless you have a Qualified Life Event during the year.

When you have a Qualified Life Event. A Qualified Life Event is:

• Marriage or divorce

• Birth or adoption of a child

• Ineligibility or new eligibility of a dependent

• Gain or loss of coverage by you or your spouse due to a job change

• Employment status or base transfer

• Death of a dependent

When one of these moments happens, you can elect new coverage or change existing coverage as long as you do it within 90 days of the life event. And, any change you make must be consistent with your life event; for example, if you have a baby, you can add a dependent.

Find more information and instructions under the Benefit Basics tab on lifeisbetterinblue.com.

NEED MORE INFO?KNOW WHENTO ENROLL

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FOLLOWTHE STEPS

ENROLLING & MORE

when you’re ready to enroll.

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Follow these steps to elect your benefits when your window is open.

Go online to BCSS.Log on to BlueCrew Self Service (BCSS) at https://bcss.jetblue.com/irj/portal and click on Benefits.

If you're not covering dependents, continue here after you log in to BCSS.

Choose your benefits.• Select Benefits Enrollment and choose the available

adjustment reason. • Your current elections will be displayed.• Select the medical, dental and/or vision options you want.• If you enrolled in the Blue Option with a Health Savings Account

(HSA) or choose to fund a Flexible Spending Account (FSA), specify the per paycheck amount for the HSA or annual amount for the FSA you wish to contribute (within IRS limits).

• Select the disability coverage you want and group legal (if you need it).

• Then, click Add to Cart.NOTE: BlueRetirement 401(k) contributions are selected directly through Empower and Life and AD&D Insurance are elected directly through The Hartford.

Look for a Benefits Confirmation Statement to your JetBlue email.

If you're covering dependents, • Select Manage Life Events

& Dependents and follow the prompts to upload any new or updated dependent documentation (birth certificate, marriage license, etc.) on BCSS for approval before you can enroll these dependents.

• See Who you can cover under Benefit Basics on lifeisbetterinblue.com for a complete list.

• An email from BlueBenefits will confirm you’re good to log back in to BCSS and enroll.

1

2

3

Complete your enrollment and check out your cart.4

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FOLLOW THE STEPS

Enroll through BLUECREW SELF SERVICE (BCSS)Visit https://bcss.jetblue.com/irj/portal.

Enroll for BlueRetirement through EMPOWERVisit blueretirement.com or call 1-844-728-3258 (8AM-10PM ET, Mon-Fri).

Enroll for Life and AD&D Insurance through THE HARTFORDVisit https://enroll.thehartfordatwork.com/enroll or call 1-855-396-7655.

Need help or have questions?BLUEBENEFITS Email BlueBenefits@jetblue.com or call 1-800-466-5062 with enrollment questions.

BLUECARPET Call 1-866-529-1675 or email bluecarpet@optum.com to get help understanding your healthcare options.

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GET MOREINFO

ENROLLING & MORE

in case you want to stay in touch with your Benefits or review the fine print for some legal details.You can view your current benefit elections at anytime on BCSS under Benefits, My Benefits.

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HELPFUL CONTACTS

About Contact Phone Web/Email

Benefits Team BlueBenefits 1-800-466-5062 BlueBenefits@jetblue.com27-01 Queens Plaza North, 7th Floor Long Island City, NY 11101

BlueCarpet Programs & Support

Advocates BlueCarpet Advocate (Optum) 1-866-529-1675 BlueCarpet@optum.com

Crewmember Assistance Program Navigator (Optum)

1-866-529-1675Call and say “Navigator”

liveandworkwell.com

Nurse Programs BlueCarpet 1-866-529-1675 BlueCarpet@optum.com

Cancer Support

BlueCarpet 1-866-529-1675 BlueCarpet@optum.com

Cancer Expert Second Opinion (PinnacleCare)

PinnacleCare 1-855-488-0190

Mon–Fri, 8AM–6PM ET

Diabetes Support

BlueCarpet 1-866-529-1675 BlueCarpet@optum.com

Transform Diabetes Care (Livongo + CVS Caremark)

Livongo 1-800-945-4355

CVS Caremark 1-866-210-0910

join.livongo.com/jetblue.now

caremark.com

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About Contact Phone Web/Email

Family SupportDESTINATION : FAMILY

Reproductive Services (Optum)BlueCarpet

1-866-529-1675 BlueCarpet@optum.com

Adoption AssistanceBlueBenefits

1-800-466-5062 BlueBenefits@jetblue.com

HealthyMoms HappyBabies (Optum)BlueCarpet

1-866-529-1675 BlueCarpet@optum.com

Health Accounts Optum BankBlueCarpet

1-866-529-1675 optumbank.com

Or download the app from the Apple or Google Play Store.

Healthy Rewards Healthy Rewards (Rally)BlueCarpet

1-866-529-1675 jetblue.werally.com

Or download the app from the Apple or Google Play Store.

Benefits & Services

Medical

UnitedHealthcare 1-866-540-5929 myuhc.comGroup #215438

Anthem BlueCross BlueShield 1-866-627-0709 anthem.comGroup #003330042

Behavioral Health Support (Optum)BlueCarpet

1-866-529-1675 BlueCarpet@optum.comGroup #1582913

Medical Counseling for Pilots 1-734-718-7607(Dr. Gordon’s cell)

DrGordonPilotDr@gmail.com drrobertgordon.com

Prescription/Drug CVS Caremark 1-866-210-0910 caremark.com

Or download the app from the Apple or Google Play Store. Group #1056

HELPFUL CONTACTS

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About Contact Phone Web/Email

Dental Cigna Dental 1-877-208-3183 mycigna.com

Or download the app from the Apple or Google Play Store. Group #3341916

Vision EyeMed Vision Care 1-866-723-0513 eyemed.com

Or download the app from the Apple or Google Play Store. Group #9925298

Telemedicine LiveHealth Online livehealthonline.com

Or download the app from the Apple or Google Play Store. For $20 a session, use coupon code: JETBLUECREW.

Life and AD&D Insurance The Hartford 1-855-396-7655 https://enroll.thehartfordatwork.com/enrollGroup #402734

BlueRetirement Empower 1-844-728-3258 blueretirement.com

Or download the app from the Apple or Google Play Store.

Crewmember Stock Purchase Plan (CSPP) Fidelity 1-800-544-9354

netbenefits.com hellojetblue.com/cspp

Group Legal Plan Hyatt Legal Plans, Inc. 1-800-821-6400 legalplans.comPassword: 1500179

Auto & Home Insurance and Pet Insurance MetLife Voluntary Benefits 1-800-438-6388 metlife.com/mybenefits

CrewTravel CrewTravel 1-800-234-7986 hellojetblue.com/travel/leisure crewtravel@jetblue.com

HELPFUL CONTACTS

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About Contact Phone Web/Email

Payroll Payroll 1-800-314-1922 payroll@jetblue.com

Non-Profit Financial Assistance JetBlue Crewmember Crisis Fund (JCCF)

1-718-709-3280 1-718-709-2238 1-646-786-4062 (Fax)

AskJCCF@jetblue.com hellojetblue.com/programs/jccf

COBRA PayFlex 1-866-777-6875 bluebenefits.payflex.com

Direct Bill PayFlex 1-866-777-6875 bluebenefits.payflex.com

Leave of Absence

Sedgwick(Disability (Pilots excluded), Leave Management, FML, Personal, Parental and Military Leaves)

1-844-341-8632 claimlookup.com/jetblue

MetLife(Pilots: Short/Long Term Disability)(All other Crewmembers: Long Term Disability)

1-888-343-6889 1-844-282-7036 (Fax)

mybenefits.metlife.comCustomer #117421Pilot VSTD Group #305104LTD Group #147558

HELPFUL CONTACTS

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Amendment and Administration of BenefitsJetBlue reserves the right to amend or terminate any benefit described in this 2020 Benefits Guide at any time at our sole discretion.

The appropriate plan fiduciaries or other administrative body has the sole power to interpret and apply the provisions of the relevant benefit plan or arrangement and to make all determinations relating to the benefit. Such decisions will be final and binding. In any case in which a plan provision is inconsistent with any law, regulation or ruling, the benefit may be administered, at the sole and absolute discretion of the administrative entity, in accordance with the law, regulation or ruling, regardless of the terms and conditions of the plan or this 2020 Benefits Guide.

This 2020 Benefits Guide is not meant to interpret, extend or change the provisions of the relevant benefit plan or arrangement in any way. The actual plan documents take precedence if there should be any conflict between the plan documents and this 2020 Benefits Guide.

This 2020 Benefits Guide does not give you any right with respect to continuation of your employment by us, nor will it interfere in any way with our right to terminate your employment at any time for any reason, and such right is expressly reserved.

This 2020 Benefits Guide is not intended to be the official Summary Plan Description for any benefit plan.

Women’s Health and Cancer Rights ActYour plan, as required by the Women’s Health and Cancer Rights Act of 1998, provides benefits for mastectomy-related services including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses and complications resulting from a mastectomy, including lymphedema. Call BlueCarpet at 1-866-529-1675 for more information.

Newborns’ and Mothers’ Health Protection ActGroup health plans and health insurance issuers offering group insurance coverage generally may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth, for the mother or newborn child, to less than 48 hours following a normal vaginal delivery, or less than 96 hours following a Cesarean section. However, federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable).

In any case, plans and issuers may not, under federal law, require that a provider obtain pre-authorization from the plan or the insurance carrier for prescribing a length of stay not in excess of the above periods.

HIPAA Privacy NoticeA federal law, the Health Insurance Portability and Accountability Act of 1996 (HIPAA), requires health plans (medical, dental and vision) to protect the confidentiality of your private health information. More detailed information is given in the health plan’s notice of HIPAA privacy rights. You may request a copy of the notice by contacting BlueBenefits at 1-800-466-5062.

HIPAA Special Enrollment RightsIf you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your covered dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must request enrollment within 90 days after your or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage).

In addition, if you have a new dependent as a result of marriage,

birth, adoption or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment within 90 days after the marriage, birth, adoption or placement for adoption.

If coverage is lost under your state Medicaid or Children’s Health Insurance Program (CHIP) or you become eligible for premium assistance under your state Medicaid or CHIP plan, you will be able to enroll yourself and your eligible dependents in the JetBlue plan. You must request enrollment within 60 days of the date of the event.

COBRAUnder certain circumstances, you and your enrolled dependents have the right to continue coverage under the medical, dental and vision plans, and the healthcare flexible spending account beyond the time coverage would have ordinarily ended. You may elect continuation of coverage for yourself and your dependents if you lose coverage under the plan due to one of the following qualifying events:

• Termination (for reasons other than gross misconduct)• Reduction in employment hours (Full-Time to Part-Time)• Retirement• Leave of absence• You become entitled to Medicare

In addition, continuation of coverage may be available to your eligible dependents if:• You pass away• You and your spouse divorce or separate• A covered child ceases to be an eligible dependent• You become entitled to Medicare

When a COBRA event occurs, our Business Partner, PayFlex, will mail a COBRA packet to the Crewmember’s home address. To apply for COBRA coverage, you or a dependent must contact PayFlex within 60 days of a qualifying event. You and/or your dependents must pay the full cost of COBRA coverage. To find out more about COBRA, contact PayFlex at 1-866-777-6875.

THE FINE PRINT

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BlueBenefits

HELLO WELLNESS!

The JetBlue benefits outlined in this brochure are only highlights. If there is any difference between what’s printed in this brochure and the actual plan documents, the plan documents will govern.

Learn more onlifeisbetterinblue.com

BlueBenefits 1-800-466-5062BlueBenefits@jetblue.com

Enroll on BCSShttps://bcss.jetblue.com/irj/portal